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Frequently Asked Questions

Samsung Pay™

Samsung Pay provides owners of select Samsung Galaxy devices the ability to use their Galaxy phone to make payments almost anywhere you can swipe or tap your bankHometown debit card.

Select Samsung Galaxy devices are equipped with Near Field communication technology (NFC) that transmits the tokenized version of the debit card payment credentials securely to a merchant terminal. In addition to NFC, Samsung Pay supports a new proprietary technology, Magnetic Secured Transmission (MST) which transmits the same secure tokenized debit card payment credentials. See below for more information about NFC and MST.

Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Samsung Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal.

Samsung Pay can be used almost anywhere you can use a credit card to make purchases, or wherever contactless payments are accepted. Plastic cards may need to be used where contactless payments are not accepted (Ex. Gas Station Pumps).

Samsung Pay is available with the S7, S7 active, S7 edge, S6, S6 active, S6 edge, S6 edge+ and Note5 through an app update. The availability will vary by mobile network operator. The app will appear when the customers install the most up to date operating system. Samsung Pay will be a preloaded app on upcoming Samsung devices. The app is not available for download on unsupported devices. Click here to find an up to date list of Samsung Pay compatible devices.

Samsung Pay requires you to sign in to your Samsung account before you register your bankHometown debit card. If you do not have a Samsung account, create an account by clicking Sign up. During the setup of Samsung Pay you will be prompted to scan your fingerprint or iris and enter a PIN, so you can authenticate future purchases.

Choose the Samsung Pay icon, and log in using your Samsung account information. If you do not already have a Samsung account, you can create one.

Once logged in, select “Add Card” to begin the process of adding your card. Center the card in the on-screen window and Samsung Pay will read the card number. Or you can enter the card information manually. Once all requested information has been added, review and confirm card details.

Review and Accept the Terms and Conditions.

You may be prompted to Call In to bankHometown at 888.307.5887 and speak with a Customer Care Representative that will activate your card. Once your card has been activated, your card is ready for use in Samsung Pay.

If you need additional support with adding your bankHometown debit card to Samsung Pay, please contact Customer Care at 888.307.5887.

Once your eligible bankHometown is registered to Samsung Pay, activate the Simple Pay feature of Samsung Pay by swiping your screen from the bottom just above the Home key, towards the top of the screen.

The most recently added or used card is displayed. Swipe left or right to scroll through your registered payment cards.

When you have the desired card selected, place your finger on the Home key to verify your fingerprint or touch Enter PIN to enter your Samsung Pay PIN.Samsung Pay will indicate that you are ready to make a payment.

For NFC Payments

Hold the phone above the NFC reader on the payment terminal

Align the camera with the NFC logo

The two devices should be almost touching

You will see a confirmation screen in addition to a transaction notification on your device.

For MST Payments

Hold the phone closely to the terminal

Align the camera to face the magnetic stripe card reader

The two devices should be almost touching

You will see a confirmation screen in addition to a transaction notification on your device.

For in-store purchases you will see a confirmation screen in addition to a transaction notification on your device. You can always view your Samsung Pay transactions in the Samsung Pay app.

There is no cost to use Samsung Pay with your bankHometown debit card. However, an active data plan with a mobile carrier is required. Based on your wireless plan and mobile carrier’s offering, additional data charges may apply.

Yes. You can continue to use your plastic card as you usually would after you have added it to Samsung Pay.

You may need to sign a receipt, depending on the merchant.

The return policy will vary by merchant. You can return items purchased using your card with Samsung Pay by:

Providing the merchant with the last four digits of your digital card number instead of your physical card account number. The last four digits of your digital card number for your card are listed to the left of the card in the Samsung Pay app.

Or, by using the same card with Samsung Pay you used to make the purchase to complete the return at the merchant’s card or contactless reader.

Please remember to keep the original receipt you received from the merchant at the time of purchase as the transaction details listed in Samsung Pay are not an official receipt.

Samsung Pay is locked when the device is locked. A PIN or Fingerprint is required per transaction in order to use Samsung Pay.

A digital account number (token) is a substitute account number that replaces your card number in each transaction. This means that your actual information isn’t shared when you shop and your card details stay safe.

Whether your card is replaced because it is lost or stolen, or if the card has expired, in most cases your new card will be automatically associated to the existing Digital Account Number (Token) in your device, and continue to be used for payments in Samsung Pay. If, for some reason, bankHometown could not re-add your new card to the existing Digital Account Number (Token), you will see a notation in the Samsung Pay App that the card is not active for use. You can then re-add your card, as you did initially to make it active again.

If your phone is lost or stolen, you can lock your phone and suspend Samsung Pay by using the Samsung Device Manager. You can also call Customer Care at 888.307.5887 and we’ll assist you with suspending the cards in Samsung Pay, allowing you to continue to use your plastic cards.

If you find your phone, you can unsuspend Samsung Pay by following the prompts on your phone or via “FMM”.

If you replace or update your device, deactivating your old device will automatically delete the Digital Account Number (Token) associated with the old device. You will have to register your cards to your new device to use Samsung Pay, the same way you registered the first time.

You are never responsible for unauthorized purchases on your bankHometown debit card.

1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.

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